Market modeling estimates that BNPL transactions in the Netherlands would be about 14 percent higher in 2025 than in 2024. This is according to a market model released in the first quarter of 2025, which placed the Netherlands among one of the average user markets in Europe for buy now, pay later. The Netherlands was one of the first countries outside the Nordics that Klarna expanded to. It ranks as one of the key apps for BNPL in the Netherlands, alongside local player Riverty (formerly AfterPay, not to be confused with Australia's Afterpay). Note that the source does not give further indications of what the figures provided here are based on. As buy now, pay later was unregulated in many countries across the world by early 2025, transaction figures on this payment method were scarce unless a domestic financial supervisor managed to request data from individual BNPL providers.

Market modeling estimates that BNPL transactions in Italy would be about 14 percent higher in 2025 than in 2024. This is according to a market model released in the first quarter of 2025, which placed Italy among one of the average user markets in Europe for buy now, pay later. Klarna launched in Italy in late 2020, with domestic player Scalapay following suit in mid-2021. Scalapay downloads in Italy increasingly started to resemble those of Klarna, although the Swedish app was still more popular in 2022 and 2023. Note that the source does not give further indications of what the figures provided here are based on. As buy now, pay later was unregulated in many countries across the world by early 2024, transaction figures on this payment method were scarce unless a domestic financial supervisor managed to request data from individual BNPL providers.

In 2020, Buy Now Pay Later (BNPL) transaction values by selected providers in Australia and New Zealand crossed 10 billion Australian dollars. BNPL systems have become popular as they allow customers to purchase a product immediately but pay it off in installments. The repayments can be interest-free or with minimal interest, however, late fees may accrue if repayments are not made on time. Afterpay led the race with more than eight billion Australian dollars in BNPL transaction values and millions of active BNPL users.

 Afterpay Limited 

Afterpay is an Australian financial company that offers BNPL services both in-store and online. According to a recent survey, Afterpay was commonly used to pay in stores, restaurants, and other points of sale with smartphones in Australia. While Afterpay was launched in 2015, the company’s sales have already exceeded 6.5 billion Australian dollars across Australia and New Zealand. Afterpay also operates in the United States, the United Kingdom, and Canada.

 What’s in store for BNPL

From the consumer perspective, there are a lot of benefits to the BNPL payment model. They only pay a small portion of the cost of a product to get it immediately, and often the repayments are interest-free. The flexibility of how frequently payments need to be made gives BNPL an advantage over credit cards. For retailers, the potential to generate more revenue and attract new customers have incentivized the use of this payment model. The trade-off, however, is that processing fees from BNPL transactions are higher than a typical Visa or Mastercard transaction, and this cost is passed on to the store. Nevertheless, the number of BNPL active merchants across Australia and New Zealand totaled almost 90 thousand.

Market modeling estimates that BNPL transactions in France would be about ** percent higher in 2025 than in 2024. This is according to a market model released in the first quarter of 2025, which placed France among one of the average user markets in Europe for buy now, pay later. Klarna launched in France over the course of 2021, alongside other pure players such as Scalapay from Italy or Australia's Afterpay. France also has Oney and Cofidis, which offer BNPL type loans as part of their overall financial services. Downloads of the Klarna app in France grew substantially between 2021 and 2022. Note that the source does not give further indications of what the figures provided here are based on. As buy now, pay later was unregulated in many countries across the world by early 2024, transaction figures on this payment method were scarce unless a domestic financial supervisor managed to request data from individual BNPL providers.

Klarna is one of the leading fintech companies offering buy now, pay later services, which let consumers pay (BNPL) for things in a series of instalments instead of all upfront. Launched in Sweden in...